12724 Scottish Pine Ln Clermont, FL 34711
Your savings
About this home
Welcome to your Florida dream home! This beautifully updated 4-bedroom, 3-bathroom pool home offers over 2,500 square feet of thoughtfully designed living space, blending comfort, functionality, and modern upgrades. Freshly painted both inside and out in 2024, this home greets you with a dedicated office or den just off the entryway—perfect for remote work or a quiet retreat. Just off this space you'll find a 20 X 20 den/living room/playroom/mancave/extra bedroom or whatever your heart desires. The gourmet kitchen is a true standout, boasting brand-new stainless-steel appliances, quartz countertops, a gas stove, double ovens (including an air fryer oven), and a gas water heater. With 20 cabinets and a breakfast counter that opens into a bright and airy breakfast nook, there’s plenty of space for everyday living and entertaining. A formal dining room offers the perfect setting for hosting holiday meals or dinner parties. The kitchen opens up to a spacious living room which features an elegant electric fireplace & a large TV which conveys with the property, creating a warm and inviting atmosphere. The primary suite is a private sanctuary, complete with tray ceilings, direct access to the lanai, and a luxurious en suite bathroom featuring an updated vanity, a walk-in shower & the washer & dryer are in this bathroom; making it super easy to do laundry. Bathroom three is conveniently connected to the pool area, ideal for guests and outdoor gatherings. Step outside to enjoy the screened-in lanai and pool area, designed for relaxing and entertaining year-round. The pool has a spa and uses salt for chlorination. The backyard is fully fenced with 2 gates to enter in through, lots of fruit trees, hammocks & an irrigation system. Additional highlights include 55 solar panels with 2 Tesla batteries for energy efficiency, a spacious driveway with ample room to park an RV or boat & offers a 18 X 25 foot deep shed that is permitted with the county. The roof was replaced in 2014. The septic tank is located on the front left side of the house & was cleaned out in 2024. With every detail thoughtfully considered, this home offers the perfect blend of style, convenience, and Florida living. Schedule your private tour today and discover everything this exceptional property has to give.
Source: STELLAR #G5099987
Loan details
Neighborhood
45-day close guarantee
Close stress-free in 45 days, handled start to finish by Roam.
Roam Price Match
If you find a better price on any home, we’ll match it.
FAQs
Roam is your trusted partner for affordable home ownership. We help manage the assumption process from start to finish, enabling homebuyers to easily purchase their next home with a low-interest rate mortgage attached.
To qualify, you must meet the current FHA, VA, or USDA loan requirements depending on the type of loan you are assuming. This typically means a minimum credit score of 580, although most lenders prefer 620-640. Your debt-to-income ratio should be under the 50% max under FHA guidelines. Additional information such as employment history, explanations of income for each applicant, and asset verification for a down payment may be needed to process the loan.
An assumable mortgage is a type of home loan that allows a homebuyer to take over the existing mortgage terms from the seller, with no cost to the seller. Many government-backed loans, such as FHA and VA loans, are eligible for assumption, and millions of these mortgages are available.
When interest rates on mortgages are high, assuming a mortgage with a rate as low as 2% allows buyers to save up to thousands monthly compared to buying a home with a traditional mortgage at today’s average rates of 7%. A low-rate assumable mortgage could be the key to finding your dream home at an affordable price.
Roam has compiled available listings with low-rate assumable mortgages for you to browse. To get started, enter the city, state, zip code, or school district you’re interested in purchasing in. Utilize the search filters to narrow down your search. Click “Save search” to save your search preferences and activate listing notifications—we’ll email you as soon as new listings match your criteria.
Once you’ve found your dream home and ready to make an offer, schedule a call with a Roam Advisor directly from the listing. Your Roam Advisor will guide you through each step of the process, while also working directly with your agent, the servicer, and the seller to ensure you close on time.
When assuming the existing mortgage as part of a home purchase, the buyer has to cover the seller’s equity in the home. The seller’s equity is the purchase price minus the remaining mortgage balance. This amount must be covered in full through an all-cash down payment or by taking out a second mortgage.
Roam is committed to and abides by the Fair Housing Act and Equal Opportunity Act.